Kentucky Cosmetology Insurance

Being aware of the benefits of carrying beauty insurance is important to any professional cosmetologist in the state of Kentucky. Whether you work in a salon or work as an independent contractor, it is crucial to the longevity of your career to choose to be covered. As a professional in this industry, it is your job to ensure each client leaves your services looking and feeling his or her best. Unfortunately, there are certain circumstances that can happen that can be out of your control. In this case, even the reputation of the most seasoned beauty professional can fall.

Although we hope this never happens, it is impossible to say that there is a zero percent risk of an accident happening. Don’t leave the state of a well-earned career to fate. Carrying the appropriate liability insurance can save you from potential financially-draining lawsuits.

Two Main Types of Cosmetology Insurance

Professional liability (or malpractice) includes any claims filed against you by clients claiming to suffer injury or damages due to negligence on behalf of the cosmetologist. Examples include: chemical burns to the scalp due to a hair color treatment gone wrong or burns suffered from a wax treatment.

General liability (orslip-and-fall scenario) protects you against claims filed for bodily injury and property damage. For example, a client trips over your studio chair and falls to the ground. If he or she suffers an injury, the client could file a lawsuit against you.

Why do you need cosmetology insurance?

Each client in your book is different. Each of them has different skin types and could react differently to cosmetic products. One client’s skin could react negatively to a skincare product and a different client could experience success. A seasoned beauty professional could use a new facial cream on a client, and it could cause a negative skin reaction causing the client medical bills and loss of work. This client could most likely take legal action against the professional for the damages suffered. But, if covered by professional liability insurance, he or she would be protected from these types of claims.

This example is just one of many. Because of the nature of this industry, there will never be zero percent risk of accidents or mistakes. If you’re practicing cosmetology in the state of Kentucky, choose to cover yourself professionally and practice without fear of financial burden.

Kentucky Cosmetology FAQs

Do I have prerequisites to complete?

If you are at least 17 years old and have completed at least a 12th grade education or equivalent, you are eligible to obtain a cosmetology license in the state of Kentucky.

What do I need to do to obtain my cosmetology license?

You will have to complete 1,800 school hours and pass an apprentice examination, and both written and practical exams.

Do I need a license to be a cosmetology instructor?

Yes, you will need to be a licensed cosmetologist for at least one year, completed 1,000 training hours, and passed the appropriate instructor exams.

Does the state of Kentucky require me to complete continuing education units (CEUs)?

No, CEUs are not required in the state of Kentucky.

How often do I need to renew my cosmetology license?

A person practicing cosmetology must renew his or her license every year between July 1 and July 31—along with a $20 dollar fee.

Moving to Kentucky from another state?

No problem, just make sure you have a certification of license from the state board that issued the license and are prepared to take the appropriate exams.

The Liability master policy is issued to the Insurance Plus Risk Purchasing Group, members of which are also members of Protection and The Doyle Group. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Protection Plan Association, Inc. Protection Plan, Inc. is the insurance partner for Beauty Insurance Plus. Willis of New York, Inc., a 50-state licensed broker, is the broker for all coverage under the Beauty Insurance Plus program. Willis of New York, Inc. also serves as excess and surplus lines broker for the Beauty Insurance Plus Program. Professional Liability and Commercial General Liability coverage under the Beauty Insurance Plus program is underwritten in the surplus lines market by Aspen Specialty Insurance Company, which is rated A (Excellent) by A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Beauty Insurance Plus is included as a member benefit of Protection Plan Association, Inc., an association for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Neither Insurance Plus Risk Purchasing Group, Protection Plan Association, Inc., The Doyle Group or Beauty Insurance Plus are insurers. All Rights Reserved Copyright 2018 Privacy Policy
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